my college education includes an associate degree from northern virginia community college, which have received mega come lot in 1980. i then moved to southern california and i obtained a bachelor of science degree in economics from university of california at riverside in 1983. 1987 i graduated from california state university los angeles with an mba specializing in finance. while in graduate school i worked at truscott and the west known as tcw, working with investment account management for pension fund clients. after i receive my mba in the 1987, i went to work for what was in the federal home loan bank, still is your federal home loan bank a of separatist to where i work as a supervisory analyst. shortly thereafter in 1989 i became an examiner for the ots when the examination functions that the home loan bank board were transferred to ots as part of the financial institutions reform recovery and enforcement act of 1989. i served in the examination rules for many years at many large and small saving institutions, some of which were troubled. i also served in support roles performin